Thread: Collection tricks

They can renew the judgment and listed for another 7 years, I would try to vacate it before paying, pull copy of the docket from the court house and try to find a reason to vacate, if can;t find any pay it and dispute it after a few months.

If they sold the account you don't have to pay the original creditor, don't have to pay the collectors either unless they can validate the debt. Ask them for copies of the original credit card application, user agreements, statements to show the amount owned and the most important proof of assignment or ownership,their purchase agreement, you need to be sure they own the account before paying them.

Do the same thing you did before and send the company a debt validation letter. It is not legal but the FCRA is complicated, you don't have a private right of action to sue in this case unless you dispute it with the credit bureaus and are able to prove willingness or negligence, I know.... is a pain in the neck


Carl.-
The Pay after results credit repair company | Credit repair by BCR Consulting

Thank you Carl, I've sent three notices to a collection agency asking for statements etc, proof that the debt is mine and they will not respond. I know the debt is not mine and I've despited, but it is still on my credit, what do I do now since they refuse to validate the debt?

If you know for a fact that it is not yours go to your local police station and file an identity theft report, Some how somebody got you ID info and open the account with the original creditor, you don;t have to be very specific just make sure you list the account number and name of the original creditor also account number (If it is not the same) and name of the collection agency, ask the officer to give you a copy of the police report, they might take two weeks to produce it, once you have that police report make copies and send it to the original creditor, the collection agency and the credit bureaus by certified mail along with a letter explaining what happened, if the account don't get deleted you can sue them all.

Carl.-
The Pay after results credit repair company | Credit repair by BCR Consulting

Carl, I paid off a judgment, but the apt refuse to give me anything stating the debt has been paid in full, what should I do?

You could start the dispute process under FCRA 623(b). In order to do this you must dispute the judgment first with the credit bureaus. In your dispute letter to the bureaus tell them that the judgment is not yours and if somebody verify with them to tell you how they did investigate and the name of the person or company who provided to the bureau with the verification. Don't assume that the public records information is provided by the court, many court houses don't even report to the bureaus, usually this kind of public records are reported by the collection agency.